Peace of mind guardian Xin Sheng two whole insurance can be said to be very hot online, I heard that the cost-effective is very high, there are a lot of partners are asking, peace of mind guardian Xin Sheng two whole insurance cost-effective is really so high? Is it really worth buying?
The following schoolmates will provide you with an in-depth evaluation! This article can help you to familiarize yourself with the two full insurance in advance, if you don't know about it, come and take a look:
"About the two full insurance, the salesman certainly won't tell you anything!
What is insured by the Ping An Guardian Xin Sheng two full insurance?
People may want to take a look at the Ping An Guardian Xin Sheng two full insurance product diagram, so that you can also better understand the following:
As shown in the figure, we can see that the Ping An Guardian Xin Sheng two full insurance coverage responsibility is very simple, the main have:
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The vast majority of two whole insurance products on the market have the responsibility of death protection as a mandatory item, but the way of payout is relatively simple, let's say only the paid premiums or the basic amount of the policy is paid.
The Ping An Guardian Xin Sheng two whole insurance is based on the greater of the cash value, the corresponding premium multiplied by the corresponding factor.
They are divided into different age groups to set the corresponding coefficient ratio, the protection is quite strong.
2, maturity survival insurance benefit
Peace of mind guardianship Xin Sheng two whole insurance maturity payout is also doing well, if you choose to protect the time of 30 years, the expiration of the period of time the insured person did not die, then you will be able to collect the basic amount of insurance * 12 * the agreed period of payment * 108% of maturity
If you choose to be insured until the age of 80, {Insurance Ping An Guardian Xin Sheng two whole insurance-22} will pay the basic sum assured * 12 * the agreed period of payment * 120%.
This is significantly more than many products on the market that only return 100% of the basic sum assured.
3, can be attached to other insurance
If you think that Ping An Guardian Xin Sheng two full insurance does not have a wealth of responsibility for the protection of the fear of not having a perfect protection, according to this point, Ping An Life in this product, but also set up several additional insurance.
They are Ping An Additional Guardian Xin Sheng malignant tumor (severe) disease insurance, Ping An Additional Guardian Xin Sheng accidental injury insurance, Ping An Additional Guardian Xin Sheng accidental hospitalization daily amount medical insurance, Ping An Additional Guardian Xin Sheng malignant tumor (mild) disease insurance and so on.
Policyholders can then choose the appropriate additional insurance coverage according to their own protection needs, which is extremely flexible!
Assuming that you are in a very poor financial situation and only want to add one additional type of insurance, but you are not sure which one to pick in the face of so many types of insurance, you may want to browse through this popular article:
"There are so many different types of insurance, which one should I buy first?
Two, Ping An Guardian Xin Sheng two full insurance these points must be noted!
But Ping An guardian Xin Sheng two full insurance also need to understand some points:
1, the narrow range of the age of the insurance
Ping An guardian Xin Sheng two full insurance only allows the birth of a full of 28 days-55 years of age of the people to buy, compared to the The company's products are narrower than similar products on the market.
Many similar products on the market have already relaxed the maximum age of insurance to 60 years old, and some can even go up to 70 years old, so that more elderly people can enjoy the opportunity to insure.
2. There are seven exemption clauses
The exemption clauses are equivalent to the content that the insurance company is not responsible for, so that the fewer the exemption clauses, the greater the scope of the proof can be insured, so the exemption clauses are the fewer the better for the insured.
There are seven exclusions that need to be adhered to for the Ping An Guardian Xin Sheng Double Life Insurance:
If you are insured for this product, it is important to be aware of what is not covered.
3, other rights and interests are relatively single
Peace of mind guardianship Xin Sheng two full insurance rights and interests are only the policy loan, the premiums automatically advance, in fact, the general insurance are supported by the two rights and interests, but there have been a number of products will also provide the addition of insurance, reduction of insurance, the right to convert the annuity, the reduction of the amount of the payment of the other rights and interests.
In comparison, the protection benefits of Ping An Guardian Xin Sheng two-period insurance appear to be very thin.
Combined with the above, Ping An guardian Xin Sheng two full insurance protection responsibility to do okay, but the overall point of view is not very cost-effective, the protection of the contents of the missing, need to pay attention to some of the details, and is not very worth buying.
Schoolmarm also has this detailed review article on Ping An Guardian Xin Sheng two whole insurance, we can refer to it again:
"Divine Ping An Guardian Xin Sheng two whole insurance is really worth buying? Read this article first!
Written in the end
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